I never said you had a credit card. I said "card". You never said it was an RFID chip either. Cards over here usually only have a chip that you need to insert into a machine and then input a code. It's functionally the exact same as swiping a card with a magnetic stripe, except that in my experience, the chips last longer than the magnetic stripes do before card readers start getting problems reading them.
I also wonder how people would manage to pay for things they didn't intend to pay for though. Don't you need to input your PIN when you use NFC cards? I would never want to have something that didn't require me to prove who I was before paying, and I find it hard to believe that you actually have cards over there where this is possible. The NFC cards I do have (public transit card, work access card) also have a really short range. I need to be within 5-10 cm of the reader and keep it stationary for a second or two for them to register it, so I doubt it would be a more reliable way for people to keep track of where you are (compared to how you'd normally use a debit/credit card), unless you are the kind of person who brushes your wallet up against every detector-like thing you see.
I haven't had a door to door salesman at my door in... almost forever, but everyone who delivers food or such on your door have wireless card readers with them. I doubt I'd order pizzas anywhere near as often as I do if I couldn't pay with my card.
A place that doesn't accept my card digitally is likely to not get a purchase by me. It's as simple as that. Coins are heavy, notes are bothersome. When I want to travel really light, I just put my card into phone's protective case and that's it.